Calculator

Salary Sacrifice Calculator

Find out how much your employer's pension scheme actually saves you in tax and NI.

2025/26 tax year · England, Wales & NI

Gross salaryAnnual pay before any pension or tax.

Sacrifice into pensionPercentage of gross salary going into the pension scheme.

That’s £2,250 per year into your pension.

Without sacrifice

Income tax: £6,486
Employee NI: £2,594
Take-home: £35,920

With 5% sacrifice

Income tax: £6,036
Employee NI: £2,414
Take-home: £34,300

How this is worked out

Salary sacrifice lowers your gross pay before tax and National Insurance, so HMRC sees a smaller salary. The full sacrificed amount goes into your pension.

2025/26 bands used: personal allowance £12,570 (tapered from £100k); basic rate 20% to £50,270; higher rate 40% to £125,140; additional rate 45% above. Employee NI: 8% between £12,570 and £50,270, 2% above.

This shows employee-side savings only. Your employer also saves 15% in employer NI on the sacrificed amount — some schemes pass that into your pension too, but most don’t.

Scottish income tax bands differ. If you’re a Scottish taxpayer, the NI numbers are right but income tax will be a little different.

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Educational only. Not personal financial advice. Tax-year figures may change; check periodically.

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Tax year 2026/27 · Last reviewed 23 May 2026 · Educational only, not personal financial advice